Applications / Mortgage Analytics / Lenders / Tennessee / Southeast Financial Credit Union
Franklin, TN · Credit union · NCUA · $464 million assets · 42 loans in 2025
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42
loans originated, 2025
101
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southeast Financial Credit Union lends mainly to refinance and improve homes rather than buy them: only 16.7% of its 42 loans in 2025 financed a purchase.
Refinancing made up 42.9% of its loans and home improvement 40.5%. Its typical loan was $85,000, against $95,000 at similar lenders, credit unions making between half and twice as many loans. Smaller loans fit its lean toward home improvement.
It made 26.2% of its loans in low- and moderate-income neighborhoods, against 17.3% at similar lenders, and 19.1% in majority-minority neighborhoods, against 9.1%. Both are higher than at about two-thirds of its peers or more. On 42 loans, each share rests on a dozen or fewer loans.
Its loans fell 5% to 42, while similar lenders grew 3%. The longer record is uneven: 143 loans in 2020, 98 in 2021, then 31 in 2023. Refinancing, its largest line, may account for much of the swing, since demand to refinance rises and falls. Its mergers with Tennessee Workers Credit Union and League Central Credit Union are long past.
Its largest market is Nashville-Davidson--Murfreesboro--Franklin, where it ranks 404 of 821 lenders and its share rounds to nothing. United Wholesale Mortgage and Rocket Mortgage lead there.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Southeast Financial Credit Union took 101 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 42.9% · Home improvement 40.5% · Purchase 16.7%
Conventional 100.0% · of 42 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Tennessee | 38 | 90.5% |
| Georgia | 1 | 2.4% |
| Kentucky | 1 | 2.4% |
| Mississippi | 1 | 2.4% |
| North Carolina | 1 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 27 |
| Chattanooga | 3 |
| Knoxville | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Cleveland | 1 |
| Jackson | 1 |
| Louisville/Jefferson County | 1 |
| Memphis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TWLXP5O4IHG211 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 456894 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568066 | 1993–2005 |
| Respondent ID (the HMDA filer code before 2018) | 524734 | 2006–2008 |
| Respondent ID (the HMDA filer code before 2018) | 568599 | 2009–2017 |
Established 1 January 1936. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Southeast Financial Credit Union's data.
Southeast Financial Credit Union's data
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Southeast Financial Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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